特定金融服务与专业化经营：齐鲁银行“科技金融特色支行”案例

摘要

Specific financial needs should be satisfied with relatively specialized management pattern. Through es-tablishing branches characterized by technology finance, Qilu Bank conducts standardized and specialized operation, which satisfies the special financing needs of science and technology enterprises. Qilu bank’ practice shows that trans-forming the personalization, specialization demands to standardization services can improve the efficiency, reduce risk and achieve economies of scale.%特定金融需求需要相对专业化的经营模式来满足。齐鲁银行通过设立专门的科技金融特色支行，开展标准化、专业化经营，满足了科技型企业特殊的融资需求。齐鲁银行的实践表明，将个性化、特殊化的需求进行标准化转换，有利于提高效率、降低风险、实现规模经济。